What is Unigarant?
Unigarant, a subsidiary of the Algemene Nederlandse Wielrijdersbond (ANWB bike insurance), combines its insurance expertise with the renowned mobility services of its parent organization. As part of the ANWB family, Unigarant benefits from over a century of experience in supporting Dutch cyclists and travelers, ensuring their journeys are safe and enjoyable.
Whether you own a standard bike for commuting, an e-bike for long-distance rides, or a specialized mountain or racing bike, Unigarant offers tailored bicycle insurance solutions to suit your needs. With comprehensive coverage options, innovative add-ons, and the reliability of the ANWB network, Unigarant ensures peace of mind for every cyclist in the Netherlands.
How to get Unigarant bicycle insurance
Unlike many other insurance providers, Unigarant does not allow customers to directly purchase bicycle insurance through their website. Instead, they have a unique approach where policies are provided via authorized advisors. This ensures you receive personalized advice and a policy that is tailored to your specific needs.
Here’s how you can get Unigarant bike insurance:
Find an Authorized Advisor:
Unigarant works with a network of professional insurance advisors throughout the Netherlands. These advisors are knowledgeable about Unigarant’s products and can help you understand your options, ensuring you select the right coverage for your bicycle.Consultation and Customization:
Once you connect with an advisor, they will assess your specific situation. During the consultation, you’ll discuss:- The type and value of your bicycle.
- Your preferred coverage (theft, damage, comprehensive).
- Additional options like roadside assistance or accident coverage.
The advisor will then recommend the most suitable policy based on your needs.
Quote and Application:
After finalizing the coverage details, the advisor will provide a quote for your bicycle insurance. Once you approve, they will handle the application process with Unigarant on your behalf.Policy Issuance:
Once your policy is processed, you’ll receive the necessary documents detailing your coverage terms, policy number, and any additional information. Ensure you keep these documents safe for future reference.
Why work with an insurance advisor?
Choosing to work with an advisor offers several advantages:
- Personalized Advice: Advisors consider your individual circumstances, helping you find the most cost-effective and comprehensive solution.
- Professional Expertise: They can answer specific questions about coverage terms, claim processes, and optional add-ons.
- Hassle-Free Process: The advisor manages all the paperwork and ensures your policy is set up correctly.
Where can I find an Unigarant advisor?
To find an authorized Unigarant advisor, you can visit their website or contact their customer service for assistance. Alternatively, you may check with local insurance agencies in your area, as many collaborate with Unigarant to provide their products.
By working with an advisor, you ensure that your bicycle insurance is tailored to your needs, providing comprehensive protection and peace of mind, backed by Unigarant’s expertise.
Frequently asked questions about the Unigarant bike insurance
View answers to the most frequently asked questions about Unigarant bike insurances here.
Unigarant provides insurance for a wide range of bicycles, including standard bikes, e-bikes, mountain bikes, and racing bikes. Their policies are designed to offer comprehensive coverage for different types of bicycles.
Unigarant collaborates with local advisors to offer personalized insurance solutions. To purchase a policy, you can find an advisor near you through their website. These advisors will provide tailored advice and assist you in selecting the appropriate coverage for your bicycle.
Unigarant’s bicycle insurance includes:
- Theft Coverage: Protection against bicycle theft.
- Damage Coverage: Covers repair costs for accidental damage.
- Comprehensive Coverage: Combines theft and damage protection. Additional options include legal assistance, accident coverage, and roadside assistance.
For policies effective on or after June 1, 2024, a deductible of 5% of the insured amount applies to theft claims. For damage claims, a standard deductible of €50 is applicable.
Yes, to qualify for theft coverage, your bicycle must be secured with an ART-approved lock with a minimum of 2 stars. For e-bikes insured from March 1, 2024, a second ART-approved lock is mandatory.
Yes, accessories can be included in your policy by adding their value to the insured amount of your bicycle. This ensures comprehensive coverage for items like helmets, lights, and other attachments.
Claims can be filed through your insurance advisor or directly via Unigarant’s online portal. Ensure you have all necessary documentation, such as proof of ownership and, in the case of theft, both original keys of the approved locks.
Yes, Unigarant’s optional roadside assistance is available for all insured bicycles, providing on-the-spot help in case of breakdowns during your ride.
No, the insurance policy is non-transferable. The new owner would need to purchase a separate policy to ensure coverage.
Yes, second-hand bicycles can be insured. The insured amount will be based on the current market value or the purchase price of the bicycle.
If you lose your bicycle keys, you must order a replacement directly from the lock manufacturer and inform Unigarant of the new key number to maintain your theft coverage.
For more details or personalized advice, you can contact Unigarant through their website or consult with one of their local insurance advisors.
